Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,759

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,759

Updated: May 29, 2024

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Justin Pearce

Always Easy to deal with

I've had Embrace Pet Insurance for my dog Baxter since we got him a year and half ago. They have always been prompt and accurate in dealing with the claims I've sent it. And when a refund is due, they have it deposited into your bank account quickly. I chose Embrace because they are one of the few pet insurance companies that will cover genetic / hereditary problems with dogs. I have two pure bred French Bulldogs - which are very prone to health issues. So its nice to have the piece of mind that if they do have issues with breathing, hips, spines, eyes, skin, etc ... that i should be covered.
5

out of 5

POSTED: | BY: Glen Ballard

Excellent Service

We greatly appreciate the prompt attention each of our claims has received, a fair evaluation of the claim, and prompt payments for the claims; overall excellent service - thank you.
5

out of 5

POSTED: | BY: Susan

Good customer service for new customer

I recently enrolled my three pets (a dog & two cats) in Embrace Pet Insurance. I added the wellness option to cover yearly exams. The next month, I took my pets to the vet. Within two weeks of submitting the claim, I received payment for all three. Additionally, I would say that I have had several interactions with customer service by phone and through e-mail. The contacts have mostly been to either resolve my questions or to ask for more information about my pets. The customer service has been efficient and well organized.
5

out of 5

POSTED: | BY: Sara

My boys are Embraced!

This is by far the best pet insurance out there. Every question or concern has always been addressed within hours; claims are processed within days and I've never been frustrated by an explanation of benefits. I highly recommend Embrace to anyone who asks me about pet insurance.
4

out of 5

POSTED: | BY: Ed Wall

first experience

I had purchased the wellness plan to help cover the cost of spaying my pet. I look forward to using this feature to help cover medicenes and vacinations that will be needed in the future. This is my first experience with pet healthinsurance, I expect a good positive relationship with Embrace.
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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